Personal Finance

Receiving a birthday or ­Christmas present should make us feel special.

It’s cold. So no surprise January and February are the busiest beach-booking months of the year, as millions turn their attention to a lovely foreign holiday. With Brexit round the corner, if you’ve booked a trip to Europe, there’s some crucial checks you need to make.

Consumers are set to see their energy bills rocket after watchdog Ofgem said it was to increase a price cap on standard tariffs just six weeks after the measure was introduced.

Extend the new mania for decluttering to your personal finances and reap the benefit, says Jenny Ross

Mortgages are the pelicans of the financial world – seriously big bills. So if you languish on a bad deal it’s very likely to be your biggest waste of cash too.

A number of UK citizens are eligible for the Winter Fuel Payment, which is an additional benefit to help older people keep warm throughout the winter.

‘Tax doesn’t have to be taxing’ – so goes HMRC’s famous slogan. But despite the reassuring voices of Adam Hart-Davis and Moira Stuart repeating the mantra in the long-running ad campaign, I expect many of us remain unconvinced. In fact, Hart-Davis himself later criticised the tax system for being too complex.

Last year, Resolver helped sort out over 2 million complaints for free. I’m massively proud that we were able to help so many people. And those complaints can also give us some clues about the things that we’ll be seeing in 2019. So without further ado, I’m peering into the Resolver crystal ball to give you our predictions for the things that will be on our minds in the year ahead.

Shift overspending at Christmas to an interest-free card to fix finances, says Which?’s Jenny Ross

James Innes warns of the impact your social footprint has on getting that dream job in 2019

The New Year is just over a week away and your wallet has probably taken a beating in the run-up to Christmas. As you prepare for Santa’s arrival you might already be dreading the “morning after” – “Blue Monday” and the arrival of the credit card statement in a few weeks.

Far too many vulnerable people are at risk because of antiquated legislation that near forces companies to bully them.

Price walking is a clever technique many home insurance providers use to make loyal customers pay more.

The Royal Bank of Scotland has issued a warning call as fraudsters target online banking customers.

Bank branches – do we still really need them? Fewer and fewer people are using them, the data seems to tell us, and the number of people carrying out their banking business online or on their phone rises every year.

As we approach the new financial year, join the debate at The Scotsman’s annual investment breakfast in Edinburgh.

‘I am not a number. I am a free man!’ I’m afraid not, you’re a number – when it comes to credit scoring anyway. The famous cry for help of the eponymous Prisoner from the cult 1960s TV show of the 1960, could have been written for today’s world of mass computer assessed finance.

WHEN Sylvia De Luca’s local bank branch closed around the corner from her Juniper Green home, she was determined not to let it affect her independence.